本文關(guān)鍵詞： 關(guān)系型貸款 大銀行 小企業(yè) 貸款定價(jià)　出處：《中南大學(xué)》2008年碩士論文　論文類型：學(xué)位論文

【摘要】： 隨著我國(guó)金融行業(yè)全面開(kāi)放,國(guó)有大型商業(yè)銀行面臨著越來(lái)越激烈的市場(chǎng)競(jìng)爭(zhēng),其生存與發(fā)展受到嚴(yán)峻的挑戰(zhàn)。進(jìn)一步,大銀行的傳統(tǒng)客戶——大中型企業(yè)的議價(jià)能力越來(lái)越強(qiáng),“脫媒”現(xiàn)象嚴(yán)重,不斷壓縮銀行的利潤(rùn)空間。大銀行急需開(kāi)辟新的利潤(rùn)增長(zhǎng)點(diǎn)及穩(wěn)定的收入來(lái)源。與此同時(shí),在我國(guó)經(jīng)濟(jì)中地位和作用不斷增強(qiáng)的小企業(yè)卻面臨著巨大的融資困境,亟需大銀行提供包括融資、結(jié)算、理財(cái)、投行顧問(wèn)、電子銀行、銀行卡等業(yè)務(wù)的綜合金融服務(wù)。 正是基于以上背景,本文試圖找到大銀行與小企業(yè)的有機(jī)結(jié)合點(diǎn),實(shí)現(xiàn)銀企雙贏的局面——大銀行開(kāi)拓了小企業(yè)客戶和市場(chǎng),為未來(lái)發(fā)展培養(yǎng)忠誠(chéng)的、有潛力的穩(wěn)定客戶群;小企業(yè)借助大銀行的綜合金融服務(wù)實(shí)現(xiàn)蓬勃發(fā)展。 本文首先借鑒金融中介理論和小企業(yè)金融成長(zhǎng)理論,深入分析大銀行和小企業(yè)的共生關(guān)系,找到大銀行與小企業(yè)的最佳結(jié)合路徑——關(guān)系型貸款。這是符合我國(guó)實(shí)際情況,實(shí)現(xiàn)銀企雙贏的可持續(xù)發(fā)展之路。其次,在分析現(xiàn)行貸款定價(jià)模型對(duì)小企業(yè)關(guān)系型貸款定價(jià)適用性的基礎(chǔ)上,結(jié)合關(guān)系型貸款的隱性契約和重復(fù)談判的特點(diǎn),建立了合理分配關(guān)系租金收益,實(shí)現(xiàn)利潤(rùn)跨期補(bǔ)償?shù)年P(guān)系型貸款定價(jià)模型。再次,結(jié)合我國(guó)實(shí)際,實(shí)證測(cè)算了我國(guó)某大銀行的關(guān)系租金收益。并運(yùn)用具體案例演示了關(guān)系型貸款定價(jià)模型的定價(jià)過(guò)程,測(cè)算了銀企關(guān)系對(duì)貸款利率的影響;最后,本文從戰(zhàn)略轉(zhuǎn)變、業(yè)務(wù)經(jīng)營(yíng)策略和技術(shù)支持三個(gè)層面,提出了大銀行為有效開(kāi)拓小企業(yè)關(guān)系型貸款業(yè)務(wù),靈活應(yīng)用關(guān)系型貸款定價(jià)模型的配套措施。
[Abstract]:With the overall opening of the financial industry in China, large state-owned commercial banks are facing more and more fierce market competition, and their survival and development are facing severe challenges. The bargaining power of large and medium-sized enterprises is becoming stronger and stronger, and the phenomenon of "disintermediation" is becoming more and more serious, which constantly compacts the profit space of banks. Large banks urgently need to open up new profit growth points and stable revenue sources. The small enterprises, whose status and role are increasing in our economy, are facing a huge financing dilemma. It is urgent for the large banks to provide comprehensive financial services including financing, settlement, financial management, investment banking advisers, electronic banking, bank cards and so on. Based on the above background, this paper tries to find the organic combination of big banks and small enterprises, and realize the win-win situation of banks and enterprises-big banks open up customers and markets of small enterprises, and train loyal and potential stable customer groups for future development. Small enterprises with the help of the comprehensive financial services of large banks to achieve vigorous development. This paper first uses the theory of financial intermediation and the theory of financial growth of small enterprises for reference, analyzes the symbiotic relationship between large banks and small enterprises in depth, and finds out the best combination path of large banks and small enterprises-relational loans. This is in line with the actual situation in our country. Secondly, on the basis of analyzing the applicability of the current loan pricing model to the relationship loan pricing of small enterprises, combined with the characteristics of recessive contract and repeated negotiation of relational loan, The relationship loan pricing model with reasonable distribution of rent income and inter-period compensation of profits is established. Thirdly, combining with the reality of our country, This paper empirically calculates the relationship rent income of a big bank in China, and demonstrates the pricing process of the relationship loan pricing model by using a specific case, and calculates the influence of the relationship between banks and enterprises on the loan interest rate. In order to effectively develop the relationship loan business of small enterprises, the matching measures of flexible application of relational loan pricing model in large banks are put forward in terms of business management strategy and technical support.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2008
【分類號(hào)】：F832.4

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 常坤;;淺談關(guān)系型貸款[J];現(xiàn)代營(yíng)銷(學(xué)苑版);2011年05期

相關(guān)碩士學(xué)位論文 前3條

1 常婧;陜西涉農(nóng)企業(yè)信貸融資研究[D];西北農(nóng)林科技大學(xué);2011年

2 鐘丹;銀企關(guān)系與中小企業(yè)貸款可獲性實(shí)證研究[D];西南財(cái)經(jīng)大學(xué);2012年

3 鄔琦;中小商業(yè)銀行對(duì)未上市中小企業(yè)客戶貸款定價(jià)研究[D];內(nèi)蒙古財(cái)經(jīng)大學(xué);2012年

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本文編號(hào)：1549669